Amazon Seller Insurance

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Instantly calculate your USD $1 million Commercial General Liability Insurance premium:

Get the best Commercial General Liability Insurance for Amazon Sellers. Buy in 3 mins online, hassle-free. Specifically tailored to meet Amazon's exact requirements.

If you’re an Amazon Pro Seller, you’ll need to carry USD $1 million in Commercial General Liability Insurance. Provide gets you these policies that meet Amazon’s specific needs, with zero hassle. We’ll take care of your insurance requirements, so you can focus on growing your Amazon business.

Do I need insurance to sell on Amazon?

If you are an Amazon seller with a Pro Merchant account, and gross sales of $10,000 a month or more for 3 months in a row, Amazon requires you to carry USD $1 million Commercial General Liability insurance.

Even if you don’t meet the above requirements, you should strongly consider having Commercial General Liability insurance anyway to make sure you’re covered. Selling high volumes of products online is a risky business, since someone could file a legal claim against you, alleging that the products you sold caused an injury or damaged their property.

Liability insurance can also protect you from financial losses if you sell products on other websites, or if you also sell from brick-and-mortar shops. That makes it very handy, since you can comprehensively protect your entire business operations.

Who can purchase this policy online?

This Commercial General Liability policy for Amazon sellers is only currently available for:

  • Companies registered in Singapore, OR
  • Individuals residing in Singapore
For instance, if you’re a private individual selling on Amazon and you’re living in Singapore, you can purchase this policy. Or if you run a Private Limited, Partnership, Sole Proprietorship, etc. that’s registered in Singapore for the primary purpose of selling on Amazon, you can also purchase this policy.

What insurance do I need as an Amazon seller?

You will need to carry USD $1 million Commercial General Liability Insurance. You must have this to fulfill the Amazon Pro Merchant insurance requirements.

Commercial General Liability Insurance is composed of two kinds of covers:

  • Product Liability Cover: Protects you from lawsuits related to the products you sell
  • Public Liability Cover: Protects you from lawsuits if you cause injuries to third-parties due to your business activities

Commercial General Liability Insurance covers:

  • Products liability
  • Product/Completed operations
  • Bodily injury
  • Personal injury
  • Broad form property damage
  • Broad form contractual coverage

How much coverage do I need?

You need USD $1 million in commercial general liability coverage, per occurrence and in aggregate. This means that each claim must be covered up to USD $1 million (per occurrence), and up to USD $1 million each policy year (in aggregate). Our policy fulfills this requirement.

USD $1 million coverage is a fairly standard amount that is seen quite often when selling to large online platforms, or large retail groups.

Do I have to add Amazon as an additional insured?

Yes. When you purchase Commercial General Liability coverage, you must add Amazon and its assignees as “additional insureds” to your insurance policy. When you purchase a Commercial General Liability policy on our website,  your policy will automatically include Amazon as an additional insured.

“Additional insureds” essentially means your policy will protect both you and Amazon. This is important, because if your products injure someone else or damage their belongings, they are likely to sue both the product seller (you) and the E-Commerce platform (Amazon).

Having Amazon listed as an “additional insured” means that your policy coverage limits will pay for both you and Amazon’s legal expenses, as well as any court damage/settlements awarded for valid claims.

Again, this is a common requirement that sellers/suppliers to large retail groups will encounter.

Do I have to provide proof of coverage to Amazon?

Yes. Amazon might send you a request for a certificate of insurance. If you don’t show proof of insurance, Amazon can restrict your ability to sell products. 

If you purchase coverage through Provide, you will have an electronic copy of your insurance, available 24/7. You can easily send this to Amazon to show proof of insurance.

Why do Amazon sellers need insurance?

Amazon hosts millions of sellers on its platform, collectively offering hundreds of millions of products. The amount of liability that comes from having so many suppliers selling so many products is immense. If you were to run a large E-Commerce platform, it’s likely that you would do the same too, and require your suppliers to carry Commercial General Liability coverage.

In any case, don’t see this insurance requirement so much as just another cost to doing business. It’s actually good that Amazon requires Pro Sellers to carry this insurance, because it protects Pro Sellers if something were to go wrong with their products. Product lawsuits are not uncommon, and they are very expensive when they do occur. Having a mandatory commercial general liability insurance requirement is really a good thing, because it ensures that sellers are well-protected against the costs of potential lawsuits.

What are some claim examples for Amazon sellers?

Let’s say you’re selling cosmetics on Amazon. Multiple customers who use your cosmetics develop severe allergic skin reactions. These customers have to seek medical treatment. Some are left with painful scars. Many are left with hefty medical bills. These clients could easily launch a personal injury lawsuit against you, and demand compensation for their medical expenses, their injuries, and for mental distress.

Or let’s say you sell battery powered scooters. The batteries in the scooters explode in someone’s house, causing a large fire. They could sue you for selling them poorly manufactured products that resulted in property damage.

If you get sued for selling products that caused injury or property damage, and you have insurance, the insurance company will pay for your legal defence. The insurer will cover your lawyer’s fees and the costs of court damage/settlements. These two expenses could easily be hundreds of thousands, or even millions of dollars. Can you imagine dealing with such heavy costs without insurance?

If you don’t have insurance, you’ll have to cover the costs yourself. In severe cases, you might even go bankrupt.

Even if you think the products you’re selling something don’t really carry much risk to your customers, it’s best to err on the side of safety. When you sell things that people use, eat, play with, or have in their homes, you’re better off safe than sorry.

Don’t forget someone can sue you even if you haven’t done anything wrong. And insurance can help pay to defend you — no matter how frivolous the lawsuit may be.

How much does Amazon Seller Insurance cost?

Premiums start from as low as $89/month, depending on the products you sell. Provide has a special Amazon Sellers Insurance programme that offers the most affordable insurance premiums across Singapore. We’ve built exclusive arrangements with global insurance companies to get you the best deal possible.

Why use Provide for Amazon Seller Insurance?

  • Save money: Get the best premiums in Singapore through our exclusive relationships with global insurers

  • Save time: by managing your policies and filing any claims online

  • Get expert advice: Access to insurance experts with 20+ years experience serving both SMEs and large multinational firms

  • Get dedicated support: Speak with us by phone 7 days/week

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